If you have credit or income problems,
or so called "bad credit",
this website can provide you with your own confidential and customized
eMortgage auction to involve the right wholesale lenders to bid for your
application.

The eMortgage auction is
supported by nationwide research
to ascertain the lowest rates for mortgages, home loans, refinances and debt
consolidation for virtually all credit and income problems.

Talk to us about your goals
we'll place your file in a confidential auction with the right wholesale
lenders for the lowest rate bids.

eMortgageSolution.com is
a proven means
for people to "turn the situation around" and automate the process of
negotiation for a fair deal.

People with difficult situations
even income complications can get a direct connection with a wholesale
lender.

CREDIT SCORE BELOW 640 and FHA?
Many people are finding difficulty in getting a home loan for a purchase or a refinance with a credit score below 640.
There are several lenders known by the eMortgage community that provide this.

Credit Score Below 700 and Conforming MortgagesIf your credit score has moved below 700, the lowest rates within the mortgage industry are likely still available to you.
As well financing for home purchase or refinance need not be complicated.

CREDIT BELOW 620?
FHA and VA loans for scores between 600 and 620 are seeing more approvals than they were in the post melt-down past.
Lenders approving these criteria do require certain other qualifications. However, they are now less restricting.

CREDIT BELOW 620 and FHA?
Credit Scores above 600 and below 620 are currently seeing approvals with several FHA purchase and refinance programs.
Several known lenders are currently providing this type of financing.

Credit Score Below 500?
If your credit score is under 500, you may still be able to get financing.
There are some in-depth qualifications available for this type of financing.
The right mortgage specialist may be able to assist you.

Tips for repairing and/or re-establishing credit can be found at the following
links.
Learn about the three major credit bureaus that report credit problems/bad
credit. When you apply for a mortgage, refinance or home loan, these are the
three most often used credit bureaus to determine if you qualify.

Note: Credit repair and the re-establiment of credit, in most cases, requires
12 - 24 months. The eMortgage Auction, does emphasis "step one" mortgages,
refinancing and home loans to provide reasonalby priced loans during that time
period (and more time, if need be), when a homeowner would be working toward
the repair and/or re-establisment of credit.

Note: Credit scores under 500, may require some corrections or repair, prior to
a step one refinance. Speak with an eMortgage consultant about your particular
scenario. If your credit score is under 500, or less than the score required
for the program you desire, we may be able to help or advise how to raise your
score to the required level.

Note: Scores below 600 are now subject to many of the same guidelines as scores under 580 were previously. If your credit score was previously below 580, many lender programs now require a score of 600 or above. However, the eMortagage Auction continues to support programs for both, scores less than 580 and less than 600.